405-90 Niagara Street, Toronto, ON
Niagara, Toronto · MLS® C13483500
About this home
Rare two-storey King West condo with two private terraces in one of downtown Toronto's most walkable neighbourhoods. Enjoy an urban lifestyle where daily errands, dining, entertainment, parks, waterfront walks and transit are all just steps away. Walk to King West restaurants and cafes, Trinity Bellwoods Park, The Well, Stackt Market, Waterworks Food Hall, Kensington Market, Chinatown, Rogers Centre, Scotiabank Arena and Billy Bishop Airport, with TTC streetcar access at your door and the future Ontario Line nearby. Inside, large windows fill the home with natural light, creating a bright and welcoming 882 sq. ft. of living space and two private terraces. The main level features soaring ceilings, open-concept living and dining areas, a well-appointed kitchen with JennAir appliances and Fisher & Paykel refrigerator, powder room, dedicated home office and terrace with gas BBQ line for outdoor dining. Upstairs, the spacious primary bedroom accommodates a king-sized bed and offers unobstructed northern views, walk-in closet customized by Simply Closets, second-floor laundry and access to a second private terrace. Quiet boutique building with welcoming community atmosphere, party room, bar, outdoor terrace, TVs and BBQs. Locker conveniently located on second floor plus owned motorcycle parking.
Key facts
- Property type
- Condo Apartment, 2-Storey
- MLS®
- C13483500
- Bedrooms
- 2 (1 + 1)
- Bathrooms
- 2 (1 half)
- Size
- 800-899
- Cross streets
- Just West of Bathurst
- Parking
- 1 garage (underground)
- Basement
- None
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Other
- Maintenance
- $1,003/mo
- Exposure
- North
- Property tax
- $4,215 / 2025
- Days on market
- 24
- Listing brokerage
- ROYAL LEPAGE/J & D DIVISION
Rooms
combined w/kitchen · laminate
3 pc ensuite · walk-in closet(s) · w/o to terrace
combined w/dining · quartz counter · b/i appliances
w/o to terrace · north view · laminate
Laminate
2 pc bath · closet · laminate
Listed at $728,000, this home is tracking about 13% below a wider set of listings, though close matches were thin, so it is worth confirming with a precise CMA rather than reading it as a clear deal. The number above is my independent estimate of value, not the asking price.
There are only a few closely comparable homes right here, so this is a broad read from wider listings in the area. Ask me for a precise CMA before relying on it.
Based on 5 similar homes nearby, adjusted for size, beds, and baths.Median of 5 comparable active listings, adjusted for size, beds, and baths. The city (MPAC) assessment points to about $888K, a close match.
How I got there
Here is the exact math behind the estimate. I start from the closest comparable listing and adjust for the real differences (size, beds, baths) to land on a like-for-like value for this home.
- Closest comparable, listed at $699K
- Size difference +$93K
- Bedrooms +$30K
- Adjusts to $822K
That comparable adjusts to $822K; the $838K estimate above is the median of all 5 comparables, which is steadier than any single home.This uses comparable active listings, not sold prices. Lot, condition, and finishes are my in-person call, and I can run a full CMA with recent solds.
The assigned public school is Niagara Street Junior Public School. EQAO is only one input, and families here also look at French Immersion, boundary, and private options, the full breakdown is below.
On location, this is a very walkable address with everyday errands close by. Bathurst St at Niagara St is about a 2-minute walk away. Walkable, transit-friendly spots tend to hold value and widen your resale pool.
Total price vs nearby homes. Fair value about $838K, median of 5 comparables.
What the listing highlightsThese are claims from the listing. The only way to know for sure is to see it in person, and I am happy to book you a private showing.
- Upscale kitchen: a genuine value driver, verify the appliances, stone, and finishes in person.
- Tall ceilings: they transform how a home feels, worth confirming the actual heights room to room.
- Open-concept layout: modern, sought-after flow.
- Value driver
- Worth verifying
- Lifestyle
The closest active listings by size, beds, and price, so you can see what this home is up against.
The 3 closest active listings nearby.
See all comparable homesThis home lists 14% below the area average of $1,002/sqft.
23 days longer than the Toronto average (1 days).
View comparable listingsPrice per square foot vs the area average.
Neighbourhood & location
Niagara, Toronto, ON
Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
Getting around
Very WalkableA walkability read built from the amenities around this home: how close the nearest transit stop is, and how many grocery, dining, park, and pharmacy destinations fall within a 15-minute walk. It is a guide, not a guarantee. Places data from Google.
Most daily errands can be done on foot.
🚉 Nearest transit: Bathurst St at Niagara St, about 158 m away
Within a 15-minute (1.5 km) walk.
How asking prices compare in the closest areas to this home. Longer bars mean a pricier market.
Typical asking price of active listings of the same type, per area (outliers removed). Toronto.
Get the full neighbourhood report (schools, parks, transit & safety) →
The public and Catholic schools this address is zoned for, with EQAO results (the share of students meeting Ontario's provincial standard).
School attendance boundaries and EQAO results are Ontario government data and can change. Confirm the current catchment with the school board before relying on it.
Affordability & Mortgage
Income needed assumes a ~32% GDS ratio; weekly is mortgage principal & interest only. Price ÷ income is the home price over the income needed. Fixed reference assumptions so listings compare on equal footing, not a lending decision.
Calculate and customize your mortgage and other expenses
Adjust the down payment, rate, and amortization, and add property tax, condo fees, and heating to see your true monthly cost.
Your numbers
Conventional (20%+ down). Best insured 5-year fixed 3.99% via Ratehub.ca (as of July 18, 2026); conventional rates run a little higher.
Mortgage amount $582,400 · 4.14% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,108
- Property tax
- $351
- Condo / maintenance fees
- $1,003
- Heating
- $0
- Estimated monthly cost
- $4,462
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $11,035
- Toronto municipal land transfer tax
- $11,035
- Estimated closing costs
- $22,070
Plus your down payment of $145,600. Legal fees, title insurance, and adjustments are extra and vary by deal.
Mortgage stress test
Lenders qualify you at the greater of your rate plus 2% or 5.25%. You do not pay this rate. It just shows you could still handle payments if rates rose, so aim to stay comfortable at this higher number.
Over the full 25 years
At the end of your 5-year term
- Total paid over the term
- $186,474
- Principal paid down
- $74,169
- Interest paid
- $112,305
- Balance remaining
- $508,231
Talk to Team Asgarian about your options
Rates and programs change often. We will connect you with a trusted mortgage professional and build a plan that fits your budget and goals.
Estimates only, not a mortgage quote or pre-approval. Figures use Canadian semi-annual compounding, current minimum down-payment rules, CMHC premium tiers, and Ontario (plus Toronto, when selected) land transfer tax. Actual rates, taxes, insurance, and closing costs vary by lender and property. Confirm every number with your mortgage professional.
Investor snapshot
Thinking of this home as an investment? We will pull real comparable rents and run the full numbers with you.
Talk about the numbersEstimates only. Rent is modelled on above-grade size and local norms, so a finished basement or second suite (a separate entrance often means one) can push real rent well above this. Taxes, fees, and vacancy vary by property, and cap rate is before financing. A starting point, not a final number, let us run the real ones with you.
Helpful resources
All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of ROYAL LEPAGE/J & D DIVISION. MLS®/PropTx.